Best of · Polygon · Updated
The best Lending dApps on Polygon in 2026
We track 31 Lending dApps that run on Polygon and have reviewed 21 of them in full. Our top pick is Aave V3. Each one is scored on security, ease of use, fees and features.
Ranked list
- 1
Aave V3
Lending · Ethereum, Base, Arbitrum +18
Aave V3 is a non-custodial lending protocol where users earn interest on deposits or borrow against collateral, live on 21 chains with about $16B in TVL. It is a long-running, widely used venue, but borrowing carries liquidation and smart-contract risk.
ScoreScore 8.6 out of 10TVL $15.8B+5.1% - 2
Morpho Blue
Lending · Ethereum, Base, Robinhood Chain +41
Morpho Blue is a permissionless lending primitive with about $11.4 billion in TVL on DefiLlama, accessed mainly through curated vaults. It suits users who can assess curator and smart-contract risk themselves.
ScoreScore 8.0 out of 10TVL $10.9B−0.5% - 3
Compound V3
Lending · Ethereum, Arbitrum, Base +7
Compound V3 is an on-chain lending protocol where users supply a base asset to earn yield or post collateral to borrow it. It has about $1.34B in TVL across ten chains, but borrowers face liquidation risk.
ScoreScore 8.0 out of 10TVL $1.26B−2.3% - 4
Fluid Lending
Lending · Ethereum, Arbitrum, Plasma +2
Fluid, built by Instadapp, combines lending and a DEX on one liquidity layer and holds about $634 million in TVL across five chains. Its design is distinctive, but audit details and rates need checking on the site.
ScoreScore 7.5 out of 10TVL $619M+1.8% - 5
Aave V2
Lending · Ethereum, Polygon, Avalanche
Aave V2 is one version of the non-custodial Aave lending protocol, live on Ethereum, Polygon and Avalanche with about $103 million in TVL. It is an established design, but newer Aave versions now get the homepage focus.
ScoreScore 7.3 out of 10TVL $98.8M−2.5% - 6
PWN
Lending · Polygon, Ethereum, Arbitrum +9
PWN is a peer-to-peer, oracle-less lending protocol where users set their own loan terms against almost any collateral. Its design avoids price liquidations, but current on-chain TVL is very small.
ScoreScore 6.3 out of 10TVL $21.1K+82.2% - 7
Impermax V2
Lending · Polygon, Ethereum, Base +12
Impermax V2 is a permissionless lending protocol where liquidity providers borrow against their LP tokens to run leveraged yield farms. It is a niche, higher-risk tool with a small current TVL.
ScoreScore 6.2 out of 10TVL $514K−1.5% - 8
Unitus
Lending · Conflux, Ethereum, BNB Chain +4
Unitus is a multi-chain money market where users lend and borrow crypto, with about 6.3 million USD in TVL across seven chains. It is a smaller lending protocol, and details on rates and risk controls are thin.
ScoreScore 6.0 out of 10TVL $6.25M−0.4% - 9
dForce Lending
Lending · Ethereum, BNB Chain, Optimism +5
dForce Lending is the money-market arm of the dForce DeFi suite, offering lending and borrowing on eight chains. It has a modest TVL of around $1 million and a security history that includes a past exploit.
ScoreScore 5.8 out of 10TVL $1.07M+4.7% - 10
Teller
Lending · Base, Ethereum, Arbitrum +6
Teller is a DeFi lending protocol where users lend tokens such as USDC to earn yield and borrowers post long-tail crypto as collateral. TVL is under $1 million and no audits are listed, so treat it as a small, higher-risk venue.
ScoreScore 5.8 out of 10TVL $898K+4.5% - 11
OmniBTC
Lending · Sui, Arbitrum, Base +5
OmniBTC is a cross-chain swap and lending platform listed across eight chains, with a small TVL of about 1.94 million USD and no audits listed. It suits cautious experimenters more than large depositors.
ScoreScore 5.5 out of 10TVL $1.88M−1.7% - 12
Tarot
Lending · Base, Optimism, Fantom +10
Tarot is a DeFi lending and leveraged yield protocol where users deposit LP tokens into auto-compounding vaults. It runs on many chains but holds a small amount of value, so the main caution is size and limited published detail.
ScoreScore 5.5 out of 10TVL $478K−6.0% - 13
Timeswap V2
Lending · Hyperliquid L1, Arbitrum, Base +7
Timeswap V2 is an oracleless lending and borrowing protocol that lets markets be created for any ERC-20 token. It runs on many chains but holds little capital and lists no audits.
ScoreScore 5.2 out of 10TVL $269K−1.7% - 14
Folks Finance xChain
Lending · Avalanche, Polygon, Monad +5
Folks Finance xChain is a cross-chain lending and borrowing app on eight networks. Its website is due to shut down on March 31, 2027, and users are told to withdraw funds before then.
ScoreScore 5.0 out of 10TVL $3.49M−6.2% - 15
Prime Protocol
Lending · Celo, Arbitrum, Base +6
Prime Protocol is a cross-chain lending platform that lets users borrow against assets held across supported networks. Its unified collateral approach is useful, but key details on rates, assets, and security controls are not clearly published.
ScoreScore 5.0 out of 10TVL $250+0.6% - 16
ARCx
Lending · Ethereum, Polygon
ARCx is a DeFi credit protocol that scores wallet addresses from on-chain borrowing history and uses the score to set loan-to-value limits on ETH-backed loans. The idea is sound, but the docs are dated 2022 and no audits are listed.
ScoreScore 5.0 out of 10TVL $0 - 17
SMARDEX P2P Lending
Lending · Ethereum, Polygon, Arbitrum +2
SMARDEX P2P Lending is a small on-chain lending protocol for ERC20 tokens that uses fixed-term loans and upfront collateral instead of liquidations. Its design is simple, but liquidity is thin and no audits are listed.
ScoreScore 4.8 out of 10TVL $5.64K+0.1% - 18
FilDA
Lending · IoTeX, Bittorrent, Arbitrum +4
FilDA is a multi-chain lending protocol for supplying crypto assets and borrowing against collateral. Its main caveat is a reported 2023 exploit, alongside limited published detail about current fees and audits.
ScoreScore 4.5 out of 10TVL $92.0K+13.3% - 19
Hundred Finance
Lending · Arbitrum, Fantom, Polygon +5
Hundred Finance is a multi-chain lending and borrowing protocol forked from Compound V2. A roughly $7.4 million exploit in 2023 and a tiny remaining TVL make it a high-risk place to deposit funds.
ScoreScore 3.0 out of 10TVL $66.7K+0.6% - 20
Compound Blue
Lending · Polygon
Compound Blue is described as a community-built Compound lending interface on Polygon, but its website currently shows Morpho Vaults. Verify what product you are using before connecting a wallet.
ScoreNot rated yetTVL $410K+13.7% - 21
88mph
Lending · Ethereum, Fantom, Avalanche +1
88mph is a DeFi lending protocol that lets users earn fixed-rate interest on crypto. Current TVL is small, and we could not verify the live site, so treat it with caution.
ScoreNot rated yetTVL $401K−0.4% - 22
Fuji V1
Lending · Ethereum, Arbitrum, Polygon +2
Fuji V1 is described as a DeFi borrowing aggregator associated with five networks. Its product details, fees and audit information are unclear, so borrowers cannot readily assess how it works or what using it costs.
ScoreNot rated yetTVL $185K−0.1% - 23
Midas Capital
Lending · BNB Chain, Arbitrum, Polygon +1
Midas Capital is listed as a permissionless lending protocol, while its documentation describes tokenized investment products. That mismatch makes it difficult to confirm what users can currently do.
ScoreNot rated yetTVL $96.9K−0.8% - 24
Timeswap V1
Lending · Polygon
Timeswap V1 is an oracle-free lending protocol for ERC-20 tokens on Polygon. Its app says lending, borrowing and liquidity transactions are disabled, so users should check whether markets are available before considering it.
ScoreNot rated yetTVL $44.0K−0.0% - 25
wefi
Lending · Polygon, Boba, XDC +1
WeFi is a multi-chain DeFi lending marketplace for depositing tokens to earn interest or borrowing from lending pools. Its fees, loan terms and risk controls are not clearly documented.
ScoreNot rated yetTVL $16.1K−0.0%
Lending dApps on Polygon: the numbers
- Tracked
- 31
- Reviewed
- 31
- Total TVL
- $28.7B
- Avg. score
- 5.9/10
The DappsAtlas index lists 31 lending dApps on Polygon. Every one of them has a full review. Across the 27 with TVL data, the combined value locked is $28.7B, counting value on every chain they support. Aave V3 dominates, with 55% of that total. The five largest make up 100% of the total; the median is $401K.
By value locked, the largest lending dApps on Polygon are Aave V3 ($15.8B), Morpho Blue ($10.9B) and Compound V3 ($1.26B). The best-rated is Aave V3 with 8.6/10, followed by Morpho Blue (8.0) and Compound V3 (8.0). That makes Aave V3 both the biggest and the best-rated. The 19 rated lending dApps average 5.9/10; 3 reach 8 or above.
Beyond Polygon, these lending dApps most often also run on Ethereum (23), Arbitrum (21) and Base (15). Of the 19 with a confirmed status, 18 are active and 1 is inactive or wound down. Over the last seven days, combined TVL rose 2.5%. Aave V3 gained the most (+5.1%), while Folks Finance xChain dropped the most (−6.2%).
Largest by TVL
- 1
Aave V3$15.8B
- 2
Morpho Blue$10.9B
- 3
Compound V3$1.26B
- 4
Fluid Lending$619M
- 5
Aave V2$98.8M
Highest rated
- 1
- 2
- 3
- 4
- 5
Method
How we ranked them
Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.
Guides
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Frequently asked questions
What is the largest lending dApp on Polygon by TVL?
Aave V3 is the largest lending dApp on Polygon by total value locked, with $15.8B across all the chains it supports. It is followed by Morpho Blue ($10.9B) and Compound V3 ($1.26B). TVL figures come from DefiLlama and change daily.
Which lending dApp on Polygon has the highest DappsAtlas score?
Aave V3 has the highest score at 8.6/10, ahead of Morpho Blue (8.0) and Compound V3 (8.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.
How many lending dApps on Polygon has DappsAtlas reviewed?
DappsAtlas tracks 31 lending dApps on Polygon. Of these, 31 have a full review and 27 report value locked, $28.7B in total, counting value on every chain they support.
Which lending dApps on Polygon grew the most this week?
Among lending dApps with at least $1M locked, Aave V3 had the biggest 7-day TVL gain (+5.1%) and Folks Finance xChain the biggest drop (−6.2%). Combined TVL moved +2.5% over the same seven days.
What is the average score for lending dApps on Polygon?
The 19 rated lending dApps on Polygon average 5.9 out of 10. Of these, 3 score 8 or higher and 3 score below 5.